Think you can't buy a home because your credit isn't perfect? Think again.
This morning, I thought of a metaphor that perfectly explains the struggle many people face when trying to break into real estate—especially when it's their first time.
Imagine you standing in front of a door with a mechanism-proof lock. On the other side of that door is everything you want—freedom, ownership, stability, success. But you can't open it. Not because you are incompetent, but because you are new to this mechanism and don't understand how the lock works.
That's what buying a home often feels like. The lock is knowledge. The door is opportunity. Without guidance, many people stand right in front of their goals but never reach them because they fail to learn how to operate that mechanism that allows you to open the door.
I became a real estate agent to change that. Because I am the knowledge. When you work with me, I give you the key—at no cost to you. Because I believe that your life can change the way mine did.
A Quick Introduction
I'm Eleazar Lua, a full-time real estate agent based in the Coachella Valley, serving Indio, Coachella, Palm Desert, La Quinta, Palm Springs, Cathedral City, and surrounding areas.
But more than that—I'm someone who used real estate to completely change my life.
I was first pre-qualified to purchase a home at 20, chose not to in exchange to pursue my education. I purchased my first home at 24. Since then, I've acquired residential properties, commercial buildings, and vacant land. I've structured deals using FHA loans, SBA, conventional financing, and owner carry options. I've closed complex escrows and consulted for investors who have generated over $40 million in gross bookings through short-term rentals.
Everything I've learned, I now use to help others—no matter where they are in their journey.
What's Really Stopping You?
Most people hold themselves back from buying a home because of three common myths:
- “My credit score is too low.”
- “I need a 20% down payment.”
- “It's just not the right time for me.”
None of these are necessarily true.
Many of my clients qualify with credit scores in the 580s. You can buy a home with as little as 3.5% down using an FHA loan. And more importantly, you don't have to be 100% “ready” to begin. You just need someone to help you take the next step.
Financing Is Not One-Size-Fits-All
Over the years, I've built a strong network of loan officers in the Coachella Valley who specialize in helping buyers with:
- Low credit scores
- Limited down payments
- Unique employment or income structures
- Previous denials from other banks
When you work with me, I connect you directly with lenders who take the time to understand your situation and find creative ways to help you move forward.
You can explore more about these loan options and next steps by visiting: /financing
What You Can Do Today (Even If You're Not Ready Tomorrow)
Some of the most successful clients I've worked with didn't start out fully ready. They started by saying, “I want to be ready.”
If that's you, here are three simple steps you can take today:
- Review your credit score and start learning what's impacting it.
- Create a basic savings plan—even $1,000 can help you cover early costs.
- Reach out. Not to commit to buying, but to build a plan.
If you'd like to talk about where you are and where you want to be, you can contact me directly through any form on my website: /contact-us
From No to Yes: A Real Story
A client of mine—under 600 credit score, previously denied by two lenders—reached out to me feeling stuck. I connected her with one of my trusted loan officers. Forty-five days later, she had keys in her hand and a mortgage payment lower than her previous rent.
That's not unusual. That's what happens when you work with someone who understands the system and wants to see you win.
I Help People Build Wealth — Not Just Buy Homes
Through my short-term rental consulting, I've helped clients generate over $40 million in gross bookings. I've guided investors in acquiring residential and commercial properties and shown them how to build equity and cash flow from their portfolios.
When I work with you, I bring all of that knowledge and experience to your table — no matter your stage in life.
To learn more about how the process works, visit: /buying
Know Someone Thinking About Buying or Selling?
I'm currently offering a $500 referral bonus if someone you know buys or sells through me.
Here's how it works:
- The person must mention your name during our first conversation
- The bonus is paid at close of escrow
- It must be disclosed upfront to qualify
Refer them here: /contact-us
Stay Connected and Informed
I regularly share new blog posts, tips for buyers and investors, and updates on the Coachella Valley market.
Create a free account on my website to stay in the loop and get updates directly from me: Home
Contact Eleazar Lua
Eleazar Lua
Real Estate Agent | Coachella Valley Expert DRE# 02150147
47120 Suite 105 Dune Palms Rd, La Quinta CA 92253
📞 (760) 625-6033
✉️ eleazar@eleazarluarealestate.com
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